At LINK, we work with buyers across Australia at every stage of their acquisition journey. Securing the right funding can be the difference between a deal that happens and one that doesn’t. The good news? You’ve got options.
Traditional bank loans
A classic choice for a reason. Bank loans are one of the most common ways first-time buyers fund business purchases. Lenders usually look for strong personal financials, a solid business plan, and clear evidence that you understand the business you’re buying.
If you’re purchasing an established business with reliable cash flow, this can work in your favour — banks like stability. Many Australian banks also offer tailored small business or franchise loans, which can be well-suited depending on the nature of your acquisition.
Angel Investors and private backing
If you’re short on capital but rich in ambition, partnering with an angel investor or private backer could be the key to unlocking your opportunity. These investors often fund part of the acquisition in exchange for equity or a share of future profits.
The right investor can bring more than just capital — they often offer mentorship, connections, and valuable industry experience. Of course, the trade-off is reduced ownership, so it’s important to weigh how much control you’re comfortable sharing in exchange for financial support.
Vendor financing
Vendor finance (also known as seller finance) is when the seller agrees to accept part of the purchase price over time. It’s a popular option for smaller acquisitions and can be a smart way to structure deals when traditional lending doesn’t quite cover the full amount.
For buyers, it can ease cash flow pressures in the early stages of ownership. For sellers, it signals confidence in the ongoing success of the business, creating a sense of shared commitment between both parties.
Combining funding options
Most first-time buyers use a mix of funding sources. For example, you might combine personal savings for the deposit, a bank loan for the main portion, and vendor finance to close the gap. The right combination depends on your financial position, your appetite for risk, and the nature of the business itself.
Start with expert guidance
Securing finance for your first business doesn’t have to feel overwhelming. At LINK, our brokers work alongside buyers to explore funding options, prepare documentation, and connect them with finance professionals who specialise in business acquisitions.
We make sure every step, from assessing your financial readiness to finalising the deal, feels clear, structured, and achievable. Whether you’re buying a café, a trade business, or a growing service brand, having the right finance strategy in place sets you up for long-term success.
If you’ve found a business that feels like the right fit but you’re unsure how to make the numbers work, talk to us. At LINK, we’ll guide you through every stage of the process and help you move from ambition to ownership with clarity and confidence.
For more information, get in touch with us here.